Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$85,185Cash toward the purchase price.
Closing costs + prepaids$24,704Not just lender fees.
Before credits & paid funds$109,889The complete starting cash picture.
Estimated remaining funds due at closing
$109,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,184.73
Your down payment$85,184.73
Closing costs + prepaids$24,704.10
Total buyer cash needed$109,888.83
Remaining funds due$109,888.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,543.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,385.75
Initial HOA (3 months)$990.00
Prepaid interest, first (28 days)$4,560.35
Fees + prepaids$24,704.10
Your down payment is the seller’s equity. You take over the $869,115 balance, so the rest of the $954,300 price is paid at closing. A second mortgage can cover part of it. $109,888.83 is due at closing. Uses and sources reconcile at $979,004.10 each. Not a Closing Disclosure.